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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.03
AF's Cash to Debt is ranked lower than
56% of the 1688 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. AF: 0.03 )
AF' s 10-Year Cash to Debt Range
Min: 0.02   Max: 0.08
Current: 0.03

0.02
0.08
Equity to Asset 0.10
AF's Equity to Asset is ranked higher than
73% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. AF: 0.10 )
AF' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.1
Current: 0.1

0.05
0.1
Interest Coverage 0.81
AF's Interest Coverage is ranked higher than
62% of the 2143 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.23 vs. AF: 0.81 )
AF' s 10-Year Interest Coverage Range
Min: 0.07   Max: 0.81
Current: 0.81

0.07
0.81
F-Score: 5
Z-Score: 0.32
WACC vs ROIC
4.42%
1.92%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 30.77
AF's Operating margin (%) is ranked higher than
75% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.19 vs. AF: 30.77 )
AF' s 10-Year Operating margin (%) Range
Min: 7.57   Max: 64.97
Current: 30.77

7.57
64.97
Net-margin (%) 21.23
AF's Net-margin (%) is ranked higher than
73% of the 2333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.29 vs. AF: 21.23 )
AF' s 10-Year Net-margin (%) Range
Min: 5.44   Max: 43.44
Current: 21.23

5.44
43.44
ROE (%) 5.29
AF's ROE (%) is ranked higher than
60% of the 2336 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.96 vs. AF: 5.29 )
AF' s 10-Year ROE (%) Range
Min: 2.32   Max: 17.73
Current: 5.29

2.32
17.73
ROA (%) 0.54
AF's ROA (%) is ranked higher than
62% of the 2341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. AF: 0.54 )
AF' s 10-Year ROA (%) Range
Min: 0.13   Max: 1.12
Current: 0.54

0.13
1.12
ROC (Joel Greenblatt) (%) 109.05
AF's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 2305 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 88.52 vs. AF: 109.05 )
AF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 17.73   Max: 296.16
Current: 109.05

17.73
296.16
Revenue Growth (3Y)(%) -5.30
AF's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1994 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. AF: -5.30 )
AF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -8.9   Max: 13.5
Current: -5.3

-8.9
13.5
EBITDA Growth (3Y)(%) 3.30
AF's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 1809 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.50 vs. AF: 3.30 )
AF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -43.3   Max: 42.2
Current: 3.3

-43.3
42.2
EPS Growth (3Y)(%) 7.30
AF's EPS Growth (3Y)(%) is ranked higher than
71% of the 1825 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. AF: 7.30 )
AF' s 10-Year EPS Growth (3Y)(%) Range
Min: -44.4   Max: 72.5
Current: 7.3

-44.4
72.5
» AF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

AF Guru Trades in Q1 2014

Jim Simons 655,550 sh (+20.72%)
Irving Kahn 17,685 sh (unchged)
Bernard Horn 152,404 sh (unchged)
» More
Q2 2014

AF Guru Trades in Q2 2014

Irving Kahn 17,685 sh (unchged)
Bernard Horn 152,404 sh (unchged)
Jim Simons 485,450 sh (-25.95%)
» More
Q3 2014

AF Guru Trades in Q3 2014

Bernard Horn 227,404 sh (+49.21%)
Irving Kahn 17,685 sh (unchged)
Jim Simons 393,450 sh (-18.95%)
» More
Q4 2014

AF Guru Trades in Q4 2014

Jim Simons 456,750 sh (+16.09%)
Bernard Horn 227,404 sh (unchged)
Irving Kahn 17,685 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with AF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Astoria Financial Corporation

SymbolPriceYieldDescription
AFPRC25.396.37

Ratios

vs
industry
vs
history
P/E(ttm) 14.70
AF's P/E(ttm) is ranked higher than
76% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.60 vs. AF: 14.70 )
AF' s 10-Year P/E(ttm) Range
Min: 7.82   Max: 48.6
Current: 14.7

7.82
48.6
Forward P/E 20.08
AF's Forward P/E is ranked higher than
64% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. AF: 20.08 )
N/A
PE(NRI) 14.80
AF's PE(NRI) is ranked higher than
79% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.30 vs. AF: 14.80 )
AF' s 10-Year PE(NRI) Range
Min: 7.71   Max: 48.46
Current: 14.8

7.71
48.46
P/B 0.90
AF's P/B is ranked higher than
85% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. AF: 0.90 )
AF' s 10-Year P/B Range
Min: 0.5   Max: 2.51
Current: 0.9

0.5
2.51
P/S 3.30
AF's P/S is ranked higher than
65% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.75 vs. AF: 3.30 )
AF' s 10-Year P/S Range
Min: 1.3   Max: 6.58
Current: 3.3

1.3
6.58
PFCF 10.50
AF's PFCF is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. AF: 10.50 )
AF' s 10-Year PFCF Range
Min: 2.22   Max: 14.84
Current: 10.5

2.22
14.84
POCF 9.60
AF's POCF is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 79.62 vs. AF: 9.60 )
AF' s 10-Year POCF Range
Min: 2.12   Max: 14.11
Current: 9.6

2.12
14.11
EV-to-EBIT 44.83
AF's EV-to-EBIT is ranked higher than
61% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.51 vs. AF: 44.83 )
AF' s 10-Year EV-to-EBIT Range
Min: 11.4   Max: 132.1
Current: 44.83

11.4
132.1
PEG 1.25
AF's PEG is ranked higher than
91% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. AF: 1.25 )
AF' s 10-Year PEG Range
Min: 1.35   Max: 31.07
Current: 1.25

1.35
31.07
Shiller P/E 19.60
AF's Shiller P/E is ranked higher than
84% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. AF: 19.60 )
AF' s 10-Year Shiller P/E Range
Min: 3.6   Max: 21.46
Current: 19.6

3.6
21.46
Days Sales Outstanding 34.46
AF's Days Sales Outstanding is ranked higher than
88% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. AF: 34.46 )
AF' s 10-Year Days Sales Outstanding Range
Min: 33.64   Max: 79.88
Current: 34.46

33.64
79.88

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
AF's Dividend Yield is ranked lower than
76% of the 2176 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. AF: 1.20 )
AF' s 10-Year Dividend Yield Range
Min: 1.11   Max: 15.85
Current: 1.2

1.11
15.85
Dividend Payout 0.18
AF's Dividend Payout is ranked higher than
91% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. AF: 0.18 )
AF' s 10-Year Dividend Payout Range
Min: 0.1   Max: 1.73
Current: 0.18

0.1
1.73
Dividend growth (3y) -32.50
AF's Dividend growth (3y) is ranked higher than
60% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. AF: -32.50 )
AF' s 10-Year Dividend growth (3y) Range
Min: -32.5   Max: 58.5
Current: -32.5

-32.5
58.5
Yield on cost (5-Year) 0.28
AF's Yield on cost (5-Year) is ranked lower than
92% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.75 vs. AF: 0.28 )
AF' s 10-Year Yield on cost (5-Year) Range
Min: 0.26   Max: 3.71
Current: 0.28

0.26
3.71
Share Buyback Rate -1.80
AF's Share Buyback Rate is ranked higher than
71% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.50 vs. AF: -1.80 )
AF' s 10-Year Share Buyback Rate Range
Min: 7.4   Max: -34.8
Current: -1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
AF's Price/Tangible Book is ranked higher than
83% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. AF: 1.01 )
AF' s 10-Year Price/Tangible Book Range
Min: 0.69   Max: 5.67
Current: 1.01

0.69
5.67
Price/DCF (Projected) 0.42
AF's Price/DCF (Projected) is ranked higher than
94% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. AF: 0.42 )
AF' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 0.88
Current: 0.42

0.27
0.88
Price/Median PS Value 1.02
AF's Price/Median PS Value is ranked higher than
82% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. AF: 1.02 )
AF' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 1.92
Current: 1.02

0.56
1.92
Price/Graham Number 0.75
AF's Price/Graham Number is ranked higher than
87% of the 3110 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. AF: 0.75 )
AF' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 2.03
Current: 0.75

0.66
2.03
Earnings Yield (Greenblatt) 2.20
AF's Earnings Yield (Greenblatt) is ranked lower than
52% of the 2321 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. AF: 2.20 )
AF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 8.7
Current: 2.2

0.8
8.7
Forward Rate of Return (Yacktman) 20.67
AF's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.15 vs. AF: 20.67 )
AF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -18.9   Max: 24.2
Current: 20.67

-18.9
24.2

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:ORD.Germany,
Astoria Financial Corporation is a Delaware corporation organized on June 14, 1993 as the unitary savings and loan association holding company of Astoria Federal Savings and Loan Association and its consolidated subsidiaries, or Astoria Federal. The Company's business is the operation of its wholly-owned subsidiary, Astoria Federal who attracts retail deposits from the general public and investing those deposits, together with funds generated from operations, main repayments on loans and securities and borrowings, mainly in one-to-four family mortgage loans, multi-family mortgage loans, commercial real estate loans and mortgage-backed securities. To a lesser degree, Astoria Federal also invests in construction loans and consumer and other loans, U.S. government, government agency and government-sponsored enterprise, or GSE, securities and other investments permitted by federal banking laws and regulations. In addition to Astoria Federal, the Company has two other subsidiaries, AF Insurance Agency, Inc. and Astoria Capital Trust I. AF Insurance Agency, Inc. is a licensed life insurance agency and property and casualty insurance broker. Through contractual agreements with various third party marketing organizations, AF Insurance Agency, Inc. makes insurance products available mainly to the customers of Astoria Federal. Astoria Federal has been, and continues to be, a community-oriented federally chartered savings association offering a number of financial services to meet the needs of the communities it serves. Its retail banking network includes multiple delivery channels including full service banking offices, automated teller machines and telephone and internet banking capabilities. The Company is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, by the FDIC, as its deposit insurer, and by the CFPB.
» More Articles for AF

Headlines

Articles On GuruFocus.com
AlarmForce Announces New CEO and CFO Oct 15 2014 
Notes on Thrifts and 4 Stocks to Watch May 03 2013 
Shares of Astoria Fi Oct 10 2011 
Astoria Financial Corp. Reports Operating Results (10-K) Feb 25 2011 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 21,744 Shares Dec 20 2010 
Astoria Financial Corp. (AF) President & COO Monte N Redman sells 15,179 Shares Dec 20 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 05 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Aug 06 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) May 07 2010 
Astoria Financial Corp. Reports Operating Results (10-Q) Nov 06 2009 

More From Other Websites
ASTORIA FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Apr 23 2015
Astoria Financial Corp Earnings Call scheduled for 10:00 am ET today Apr 23 2015
Astoria Financial beats Street 1Q forecasts Apr 22 2015
Astoria Financial beats Street 1Q forecasts Apr 22 2015
Astoria Financial Corporation Reports 2015 First Quarter Earnings Per Common Share Of $0.17 Apr 22 2015
Astoria Financial Corporation Reports 2015 First Quarter Earnings Per Common Share Of $0.17 Apr 22 2015
Q1 2015 Astoria Financial Corp Earnings Release - After Market Close Apr 22 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 08 2015
Astoria Financial Corporation Schedules First Quarter Earnings Release & Conference Call Apr 08 2015
Astoria Financial Corporation Schedules First Quarter Earnings Release & Conference Call Apr 08 2015
New Study Shows Millennials Willing to Sacrifice Comfort for Cheaper Travel, Open To Airline Tinder Apr 07 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events Mar 19 2015
ASTORIA FINANCIAL CORP Financials Mar 07 2015
10-K for Astoria Financial Corp. Mar 01 2015
ASTORIA FINANCIAL CORP Files SEC form 10-K, Annual Report Feb 27 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 24 2015
Astoria Financial Corporation To Participate In RBC And Deutsche Bank Investor Conferences Feb 24 2015
Astoria Financial Corporation To Participate In RBC And Deutsche Bank Investor Conferences Feb 24 2015
Astoria Financial Corporation to Participate in the KBW 2015 Boston Regional Bank Conference Feb 19 2015
ASTORIA FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Feb 18 2015

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